Workers compensation insurance is one of our major specialties and we offer policies to any size businesses (High Deductible & Self Insured programs are also available). In addition to having access to MANY private Workers' Comp carriers, we also represent the California State Compensation Insurance Fund. For more information on Workers Compensation, please refer to Insurance FAQ section.
Business Owners Policy (General Liability & Property)
Most businesses opt for package policies that cover the major Property and Liability exposures as well as for a loss of income. A common package policy used by most small to medium size businesses is called the Business Owners Policy (BOP).
Generally, BOPs provide more complete coverage at a lower price than separate policies for each type of insurance needed. However as your business grows, BOPs may not be available for larger businesses or those with higher risks associated with their operations. We can help you decide which policy or policies are right for your business.You can also purchase additional coverage for perils or conditions otherwise excluded (e.g., flood & earthquake protection) as endorsements to a standard policy or as a separate, second policy called a Difference in Conditions (DIC) policy. For more information on Business Insurance, please refer to Insurance FAQ section.
Directors & Officers Liability Insurance (D&O) provides protection to the directors and officers against personal liability and financial loss arising from their wrongful acts commited in their capacity as officers and/or directors. This type of coverage extends to claims that are not covered in a Commercial General Liability policy.
The number of lawsuits filed by employees against their employers has been rising. While most suits are filed against large corporations, no company is immune to such lawsuits. Recognizing that smaller companies now need this kind of protection, some insurers provide this coverage as an endorsement to their Businessowners Policy (BOP). An endorsement changes the terms and conditions of the policy. Other companies offer EPLI as a stand-alone coverage.
EPLI provides protection against many kinds of employee lawsuits, including claims of:
Business owners/managers or HR personnel with limited time, shouldn't have to call every health insurance company, get several proposals and then try to sort them out on their own. One call and we'll present (in person, at your office) a "side by side" group health comparison among ALL the health plans of ALL the companies in one proposal so an informed decision can be made based on your company's needs and budget.
Whether it is your private passenger car used in your business, employers non-owned autos or a fleet of vehicles, such ambulances, blood transport vehicles or utility vehicles, we have several insurance markets for all types of business & commercial vehicle.
Individual helath plans (includes families) are subject to medical underwriting. This is in contrast to Small Group policies (2-50 lives), which are "guaranteed issue" by law in Californisa (AB 1672) regardless of any health conditions.